Home loan EMI calculator
See what a home would cost you each month. Enter the price and what you can put down; change the rate and tenure to compare.
Your monthly EMI
EMI ₹37,490 a month
₹37,490 a month
for 20 years at 8.5% a year
- Loan amount
- ₹43,20,000
- Total interest
- ₹46,77,591
- Total repaid
- ₹89,97,591
Larger than a lender can give. Lenders may finance at most 80% of a ₹50 L home (₹40 L), so the down payment would need to be at least ₹10,00,000.
- Principal
- ₹43.2 L · 48%
- Interest
- ₹46.78 L · 52%
Year-by-year repayment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹85,978 | ₹3,63,902 | ₹42,34,022 |
| 2 | ₹93,577 | ₹3,56,302 | ₹41,40,445 |
| 3 | ₹1,01,849 | ₹3,48,030 | ₹40,38,596 |
| 4 | ₹1,10,852 | ₹3,39,028 | ₹39,27,744 |
| 5 | ₹1,20,650 | ₹3,29,230 | ₹38,07,094 |
| 6 | ₹1,31,314 | ₹3,18,566 | ₹36,75,780 |
| 7 | ₹1,42,921 | ₹3,06,958 | ₹35,32,859 |
| 8 | ₹1,55,554 | ₹2,94,326 | ₹33,77,305 |
| 9 | ₹1,69,303 | ₹2,80,576 | ₹32,08,002 |
| 10 | ₹1,84,269 | ₹2,65,611 | ₹30,23,733 |
| 11 | ₹2,00,556 | ₹2,49,323 | ₹28,23,177 |
| 12 | ₹2,18,283 | ₹2,31,596 | ₹26,04,894 |
| 13 | ₹2,37,578 | ₹2,12,302 | ₹23,67,316 |
| 14 | ₹2,58,578 | ₹1,91,302 | ₹21,08,738 |
| 15 | ₹2,81,433 | ₹1,68,447 | ₹18,27,305 |
| 16 | ₹3,06,309 | ₹1,43,570 | ₹15,20,996 |
| 17 | ₹3,33,385 | ₹1,16,495 | ₹11,87,611 |
| 18 | ₹3,62,852 | ₹87,027 | ₹8,24,759 |
| 19 | ₹3,94,926 | ₹54,954 | ₹4,29,833 |
| 20 | ₹4,29,833 | ₹20,046 | ₹0 |
An estimate, rounded to the nearest rupee. Processing fees, insurance and prepayments are not included, and a lender's own schedule may differ slightly.
See homes up to ₹50 L in Kolkata